Restaurant Shield
Every shift brings risks that can disrupt your business and personal life. Panorama Insurance helps restaurant owners stay protected, reduce financial exposure, and keep operations running when it matters most.
The Opportunity
With the right coverage in place, you can operate with fewer interruptions, control unexpected costs, and focus on expanding your restaurant with stronger financial footing and clearer next steps.
Reduce unexpected costs and gain clearer visibility over your restaurant’s financial performance.
Unexpected costs stay under control
Keep your restaurant running smoothly with fewer disruptions and better protection in place.
Fewer disruptions to daily operations
Build a solid foundation that supports expansion, reinvestment, and long-term business growth.
Built to support expansion and scaling
Why Choose Us
Restaurant owners manage daily pressures with little room for error. The right coverage helps you avoid costly setbacks, keep operations steady, and protect the business you’ve worked hard to build.
Our Solutions
From kitchen risks to customer liability and operational disruptions, our insurance solutions are structured to protect your restaurant, support continuity, and align with how your business operates.
Protect your restaurant from claims, injuries, and legal costs with liability coverage built for restaurant environments.
Safeguard your kitchen, equipment, and space from fire, damage, and loss with property coverage tailored for restaurant operations.
Maintain income and cover expenses during unexpected closures with coverage designed to keep your restaurant financially stable.
Protect your staff and your business with coverage for workplace injuries, medical costs, and employee-related risks in restaurants.
Key Impact
Protect your restaurant from operational setbacks, financial loss, and unexpected interruptions with solutions designed to support daily service and long-term stability.
Workers supported by the restaurant industry
Annual restaurant sales across the U.S.
Restaurants operate with small teams
Total restaurant industry revenue nationwide
Annual employee turnover across restaurants
Our Process
A streamlined process moves you from initial review to final coverage with precision, keeping everything organized and efficient so your protection is put in place without delays.
Review your current coverage, property details, and key areas needing attention.
Identify exposures tied to your home, location, and overall coverage needs.
Build a policy tailored to your property, assets, and financial exposure.
Put your coverage in place with everything aligned and ready.
Client Testimonials
Our clients highlight the value of our insurance solutions, showing how we deliver dependable protection and service across many personal and business needs.
Share your experience with Panorama. Your story helps others see the value of our service and encourages them to trust us with their needs.
Consistent and Dependable
Tim and his staff are my auto insurance broker and have been for over 30 years. We have two sons and both were covered in our policy up until recently when my oldest moved to Italy. We have had quite a few claims having hit a deer and totaled the Sedona, my youngest drove off hillside with the Jeep taking out neighbors deck support posts and hitting house, also a fender bender with his 4 Runner. Tim has always been honest, straight forward, and timely with all our needs. We have had Mercury this entire time, he has kept us updated with any discounts(teacher) and changes that we should be aware off. He is and has been a great communicator, efficient, and friendly, a good man. I highly recommend him.
JV
Joe Vitti
Long-Term Client
Resolving Complex Issues
This insurance agency is unique in that they go beyond the normal expectations. They have that small company endeavor but with large company results. I was very pleased with the way they handled my problem.
I am a landlord and as such needed help with a tenant and their dog which is classified as a companion dog used for emotional distress, however our signed contract forbids animals. With the help of Panorama Insurance Agency I was able to resolve the issue to the satisfaction of both the tenants and myself. They did the research for me! I highly recommend this agency.
RH
Robert Hernandez
Property Owner
Responsive and Courteous
I had an excellent experience with Tim Wong and Panorama Insurance. They helped me find homeowner's insurance coverage for a new home in the hills of L.A. that's a wildfire zone. None of the carriers wanted to write the business, so Tim secured the coverage through the CA plan and also a Difference in Conditions policy to ensure I had adequate liability coverage. He and his team adjusted coverages to find savings for me as well. They were responsive and courteous at all times, and made the home purchase process easier and more enjoyable. Highly recommended!
AL
Andrew Lloyd
Grateful Homeowner
Dependable Insurance Agent
Brent @ Panorama is the most available and dependable insurance agent I've ever had. I use Brent for my family account, and also take care of all the communication for my parents account as well - even though we're the same kin, our two different households have totally different requirements in terms of insurance. Brent is always willing to dive into specifics about policies and present alternatives when our situation changes or when a better plan is available. It's great to know that both the insurances for my home and car are just taken care of meddling on my part.
RJ
Roshan J
Loyal Returning Client
Went Above Expectations
I recently had the pleasure of working with Panorama Insurance Agency, specifically Brent Garriepy, to insure my new home and switch our auto insurance policy. Brent went above expectations with explaining the policies, what they cover and what they do not cover. We quickly found a policy that worked well for our new investment and it was very competitively priced. The choice was clear for my family. I highly recommend Panorama Insurance Agency. Give them a call and see what they can do for your family!
PS
Paul Schwappach
Home and Auto Client
Saved Us over a Hundred Dollars a Month!
Brent saved us over a hundred dollars a MONTH! across all our policies (auto/home/earthquake/umbrella) and even got us better coverages across the board. Wished I’d contacted Brent earlier in my insurance quote process. I did the internet search and got spammed with useless quotes as well as talked to half a dozen other highly rated agents. None could even come close to the level of service that Brent provided. Stop your internet search now and call Brent.
LT
Leland Treebs
Value-Seeking Client
Highly Recommended
My relation ship with Panorama Insurance Agency started over 25 years ago. Initially it was for vehicle insurance but has grown to include homeowners insurance. This has continued through moves from five homes and two states. As my children reach the age of driving, they will join the next generation of Panorama Insurance Agency family customers. For the few instances where the services were required, PIAI was there to help resolve the claim and get the repairs completed quickly. I would highly recommend their services.
KS
Kent Sakamoto
Loyal Long-Term Client
10/10 in Customer Service
Danna Alfi is wonderful. We all typically contact an insurance company because something has gone wrong. Danna is a compassionate person who will do her best to help you and inform you when you need it. I think we can all agree that 2020 has been crazy and stressful. My car was stolen and Danna was so helpful in finding out the exact terms of my coverage promptly and let me know exactly what the coverage options would be on another car I wanted to buy. The day I was slated to purchase the car the sale fell through due to a lack of title on hand. Immediately I contacted Danna and she cancelled it. A few days later I found the perfect car and before I drove off the lot I was covered. No hassle for making her do the extra work just a congrats on the new car and an open dialogue because she will help you however she can. 10/10 in customer service.
MM
Melissa McGillivray
Auto Coverage Client
Pleasure to Work With
I worked with Danna Alfi who has helped me on more than one occasion to help me get the coverage I need in the most cost effective way. She is a pleasure to work with. Even during times I expressed frustration while shopping for the best service, she remained professional, patient, and understanding never pushing her products, but explaining the benefits and outlining my options so I can be an informed consumer. A pleasure to work with!
EB
Eric Bertolli
Happy Client
Amazing Company
Panorama is an amazing company. I've had them for years!!!! One of the only company's that has always had my back. Really great customer service and professionalism whenever I'm speaking with someone and they ALWAYS pick up the phone. That's quality.
NP
Nat Pen
Longtime Client
Reach Out
Running a restaurant brings daily risks that require proper protection. Connect with us to secure coverage that supports operations and reduces disruptions.
Use this form to submit service inquiries directly.
Frequently Asked Questions
Get clear answers to key restaurant insurance questions, from liability to interruptions, so you understand your coverage, avoid costly gaps, and make smarter decisions for your business.
Restaurants typically need general liability, property, workers compensation, business interruption, and commercial auto coverage. These policies protect against daily risks, financial loss, and operational disruptions.
The right coverage depends on your restaurant size, staff, location, and risk exposure. A tailored review helps identify gaps and align coverage with your daily operations.
It covers customer injuries, property damage, and legal claims that can arise during daily service, helping protect your business from unexpected lawsuits and expenses.
Property coverage protects your kitchen, equipment, and physical space from fire, damage, or loss, helping you recover quickly, minimize downtime, and avoid significant financial setbacks that disrupt operations.
Business interruption coverage replaces lost income and covers ongoing expenses during temporary closures, helping your restaurant maintain financial stability, pay essential costs, and recover without severe disruption to operations.
Yes, workers compensation is typically required and covers employee injuries, medical expenses, and lost wages, while also protecting your restaurant from legal claims and financial liabilities tied to workplace incidents.
Yes, equipment breakdown coverage helps repair or replace essential kitchen equipment after mechanical or electrical failure, reducing downtime, avoiding costly delays, and keeping your restaurant running without major interruptions.
Start by reviewing your current risks and operations. Then connect with a specialist to identify the right coverage and ensure your restaurant is properly protected.
Get Protected
Take the next step to protect your restaurant from costly risks and disruptions. Get coverage built for your operations and keep your business running with confidence.
From home and auto to business and more, we design insurance strategies that protect your assets, income, and future plans with one coordinated approach.
Leave our team a message about how we can help
